LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,249
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,274
−HK$3,073/mo
Today · 4.125%
HK$103,347
baseline
▲ 0.50% · 4.625%
HK$109,636
+HK$6,289/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$206,694/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,188
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,090
−HK$2,943/mo
Today · 4.125%
HK$114,033
baseline
▲ 0.50% · 4.625%
HK$120,044
+HK$6,011/mo
Deposit HK$21.32M · loan HK$21.32M · min. income ≈ HK$228,066/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,698
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,328
−HK$3,689/mo
Today · 4.125%
HK$124,017
baseline
▲ 0.50% · 4.625%
HK$131,563
+HK$7,546/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$248,034/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,826
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,308
−HK$3,532/mo
Today · 4.125%
HK$136,840
baseline
▲ 0.50% · 4.625%
HK$144,053
+HK$7,213/mo
Deposit HK$17.06M · loan HK$25.59M · min. income ≈ HK$273,680/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,148
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$140,383
−HK$4,303/mo
Today · 4.125%
HK$144,686
baseline
▲ 0.50% · 4.625%
HK$153,490
+HK$8,804/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$289,372/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,464
−HK$8,183/mo
▼ 0.25% · 3.875%
HK$155,526
−HK$4,121/mo
Today · 4.125%
HK$159,647
baseline
▲ 0.50% · 4.625%
HK$168,062
+HK$8,415/mo
Deposit HK$12.79M · loan HK$29.85M · min. income ≈ HK$319,294/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,048
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$180,493
−HK$5,532/mo
Today · 4.125%
HK$186,025
baseline
▲ 0.50% · 4.625%
HK$197,344
+HK$11,319/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$372,050/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,739
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,962
−HK$5,298/mo
Today · 4.125%
HK$205,260
baseline
▲ 0.50% · 4.625%
HK$216,080
+HK$10,820/mo
Deposit HK$4.26M · loan HK$38.38M · min. income ≈ HK$410,520/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,812,547 · Scale 2, in force from 26 Feb 2026)